Skip to Main Content Skip to Sitemap

Deposit Rates


Explore current rates on personal and business savings and checking solutions

Enjoy competitive rates on CDs, IRAs, Savings, Checking and more.
Our competitive rates are structured to help you get more out of your money when you open one of our multiple savings accounts. 

Rates shown are effective as of 3/29/2020

Certificate of Deposit Interest Rate Annual Percentage Yield (APY) Minimum to Earn Annual Percentage Yield (APY) Minimum To Open
6 Month CD 0.15% 0.15% $500.00 $500.00
9 Month CD 0.15% 0.15% $500.00 $500.00
12 Month CD 0.25% 0.25% $500.00 $500.00
18 Month CD 0.35% 0.35% $500.00 $500.00
24 Month CD 0.40% 0.40% $500.00 $500.00
24 Month Option CD 0.40% 0.40% $500.00 $500.00
36 Month CD 0.90% 0.90% $500.00 $500.00
48 Month CD 0.70% 0.70% $500.00 $500.00
60 Month CD 0.80% 0.80% $500.00 $500.00
Current CD Special
8 Month CD Special 0.60% 0.60% $500.00 $500.00
11 Month CD Special 0.80% 0.80% $500.00 $500.00
1 The advertised Annual Percentage Yield (APY) is subject to change, and assumes principal and interest remain on deposit until maturity. The minimum balance to open the CD and obtain that APY is $500.00. A penalty may be imposed for withdrawals before maturity. Terms and conditions apply - see account disclosure for details. Commercial and Municipal accounts excluded from this offer. Offer is subject to change without notice and may be withdrawn at any time. See us for further details.

Rates shown are effective as of 3/29/2020

Individual Retirement Term Interest Rate Annual Percentage Yield (APY) Minimum to Earn Annual Percentage Yield (APY) Minimum To Open
12 Month IRA CD 0.25% 0.25% $500.00 $500.00
18 Month IRA CD 0.35% 0.35% $500.00 $500.00
24 Month IRA CD 0.40% 0.40% $500.00 $500.00
24 Month Option IRA CD 0.40% 0.40% $500.00 $500.00
36 Month IRA CD 0.90% 0.90% $500.00 $500.00
48 Month IRA CD 0.70% 0.70% $500.00 $500.00
60 Month IRA CD 0.80% 0.80% $500.00 $500.00
Variable Rate IRA 0.05% 0.05% $5.00 $100.00
Current CD Special
11 Month CD Special 0.80% 0.80% $500.00
1 The APY assumes that principal and interest remain on deposit until maturity. Early withdrawal penalties may be imposed for withdrawals before maturity. The minimum balance to open the IRA CD obtain that APY is $500.00. The special rates are available exclusively at a United Bank branch. Commercial and Municipal accounts excluded from this offer. Offer is subject to change without notice and may be withdrawn at any time. See us for further details.

Rates shown are effective as of 3/29/2020

Product Minimum to Earn Annual Percentage Yield (APY) Interest Rate Annual Percentage Yield (APY) Minimum To Open
Consumer Deposit Accounts
Premier Checking $1.00 - $999.99 0.00% 0.00% $1,000.00
$1,000.00 - $9,999.99 0.02% 0.02% $1,000.00
$10,000 - $49,999.99 0.02% 0.02% $1,000.00
$50,000.00 - $99,999.99 0.02% 0.02% $1,000.00
$100,000 - $199,999.99 0.02% 0.02% $1,000.00
$200,000.00+ 0.02% 0.02% $1,000.00
Benefits Checking $1 - $499.99 0.01% 0.01% $50.00
$500+ 0.01% 0.01% $50.00
Generations Checking $500 0.01% 0.01% $50.00
Prime Money Market $1 - $999.99 0.03% 0.03% $100.00
$1,000 - $9,999.99 0.03% 0.03% $100.00
$10,000 - $24,999.99 0.05% 0.05% $100.00
$25,000 - $49,999.99 0.05% 0.05% $100.00
$50,000 - $99,999.99 0.05% 0.05% $100.00
$100,000 - $249,999.99 0.10% 0.10% $100.00
$250,000+ 0.10% 0.10% $100.00
Premier Savings $1 - $4,999.99 0.02% 0.02% $10.00
$5,000 - $19,999.99 0.02% 0.02% $10.00
$20,000+ 0.02% 0.02% $10.00
Benefits Savings $1 - $999.99 0.02% 0.02% $10.00
$1,000 + 0.02% 0.02% $10.00
Simpl•e Savings $1 0.02% 0.02% $10.00
Target Savings $1 0.02% 0.02% $10.00
Health Savings Account (HSA) $1 - $999.99 0.25% 0.25% $100.00
$1,000 - $2,499.99 0.49% 0.49% $100.00
$2,500 - $24,999.99 1.00% 1.01% $100.00
$25,000 + 1.50% 1.51% $100.00
Business Deposit Accounts
Premier Business Checking $0 - $999.99 0.00% 0.00% $1.00
$1,000 - $9,999.99 0.00% 0.00% $1.00
$10,000 - $49,999.99 0.00% 0.00% $1.00
$50,000 - $99,999.99 0.05% 0.05% $1.00
$100,000 - $199,999.99 0.10% 0.10% $1.00
$200,000 + 0.15% 0.15% $1.00
Prime Business Money Market $1 - $24,999.99 0.05% 0.05% $100.00
$25,000 - $49,999.99 0.10% 0.10% $100.00
$50,000 - $99,999.99 0.15% 0.15% $100.00
$100,000 - $249,999.99 0.20% 0.20% $100.00
$250,000 - $499,999.99 0.30% 0.30% $100.00
$500,000 - $999,999.99 0.45% 0.45% $100.00
$1,000,000+ 0.50% 0.50% $100.00
Business Savings $1 - $999.99 0.02% 0.02% $100.00
$1,000 + 0.05% 0.05% $100.00
Commercial Deposit Accounts
Commercial Account Earnings Credit Rate N/A 0.25% 0.25% N/A
Commercial Money Market $0 - $999.99 0.00% 0.00% $100.00
$1,000 - $24,999.99 0.05% 0.05% $100.00
$25,000 - $49,999.99 0.10% 0.10% $100.00
$50,000 - $99,999.99 0.15% 0.15% $100.00
$100,000 - $249,999.99 0.20% 0.20% $100.00
$250,000 - $499,999.99 0.30% 0.30% $100.00
$500,000 - $999,999.99 0.45% 0.45% $100.00
$1,000,000+ 0.50% 0.50% $100.00
IOLTA - CT $1.00 0.25% 0.25% $50.00
IOLTA - MA $1 - $49,999.99 0.05% 0.05% $50.00
$50,000 - $499,999.99 0.15% 0.15% $50.00
$500,000 - $999,999.99 0.55% 0.55% $50.00
$1,000,000+ 0.55% 0.55% $50.00
IORETA - CT $1.00 0.40% 0.40% $50.00

CD and IRA CD Rates: Withdrawals made before maturity date may be subject to either Regulatory or Bank Imposed penalties. Regulatory Penalty: Regulation D penalty is 7 days’ simple interest on the amount withdrawn and applies to: 1) Withdrawals made within 7 days of opening a time account including the opening day. 2) Withdrawals made within 7 days of any deposits or withdrawals to or from your account, including the transaction day. 3) Withdrawals made within the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of matured CD or IRA CD. Bank Imposed Penalty: Withdrawals made other than those described under Regulation D penalty are subject to the early withdrawal fee below: 1) If your account has an original maturity of one year or less, the fee we may impose will equal 90 days interest on the amount withdrawn. 2) If your account has an original maturity of more than one year, the fee we may impose will equal 180 days interest on the amount withdrawn. The APY assumes that the interest remains on deposit until maturity. Interest Rates and APYs for CDs and IRA CDs are fixed for the term of the account. Fees – including early withdrawal penalties - may reduce earnings. Please review your Deposit Account Agreement and Schedule of Fees.

IRA Savings, Savings, Checking, and HSA Account Rates: Rates are variable and subject to change without notice. Fees may reduce earnings. Please review your Deposit Account Agreement and Schedule of Fees.

Tiered-Rate Accounts: Interest is paid on the entire balance within each tier. Fees may reduce earnings. Please review your Deposit Account Agreement and Schedule of Fees.